Below is a list of credit cards with ongoing low interest rates and low APR (notice that many of them are Credit Unions). We define a low interest rate as below 10.99% and have also avoided listing credit cards with a range of APR because it can be deceptive. For example, a card might have an APR which ranges from 8.90% to 17.9%. While 8.9% is considered a low rate, anywhere from 14% to 17% is considered the average interest rate for most cards. We have also avoided listed cards with great 0% introductory offers because most do not have ongoing low APRs after the intro period ends.
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